It’s been approximately 16 months since I entered the working world and assumed responsibility for my personal finances. In that time, the number of accounts and expenses I need to track has grown to the point where I’m desperately in need of a tool to manage it all.
There are so many options that it’s hard to distinguish one from the next, so I turn to the PickTheBrain community: what tool do you use to manage your personal finances?
Here is the main criteria:
- Simple: Tons of features aren’t a must, but speed and usability are.
- Cost Effective: Cheap is the best price, but I’d spend a moderate amount for the right package.
- Accessible: Ideally there would be a solution that can be accessed from multiple computers (PC and Mac).
- Comprehensive: Capable of handling a wide range of expenses, income streams, and bank/investment accounts.
After that I’m open to anything. I really appreciate your responses and hopefully we’ll be able to create a comprehensive list of best tools available.



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A couple years ago I stopped believing in addiction. It’s not that I doubt the strength or existence of chemical and psychological dependencies — the bottom line is that everything is a choice. Addiction is somewhat like peer pressure–it hovers around, urging you to do something, but the decision to take action is yours. When people say that they can’t give up an addiction, it usually means that deep down they don’t want to or don’t believe that it’s possible. 
